Barclaycard,,Mercers now Calder financial

sporty1

Hi i have been taking advise from CCCS since losing my job in May 08, i sent all the forms that cccs prepared for me and have been sending token gesture regularlynsince then, Barclay card account i had credit card i owed £515 BUT BECAUSE I WAS ONLY PAYING THE £1 TOKEN GESTURE THEY PUT ON AS THEY CALL IT LATE PAYMENT CHARGE OF £12 A MONTH , SO MY DEBT IS INCREASING AND IS NOW £580 , Mercers were dealing with it, now Calder Financial ( who are the same people trading under the name of Mercers ). my other problem with them is that ..i had another credit card with mORGAN STANLEY then Goldfish took it over when in May i sent the £1 token gesture i had in writting an acceptance for a 12mth period.. Then guess what i got a letter ( statement from Barclaycard With a different account number on , and within a month they passed it onto Mercers without me knowing , i queried the account number and mercers said the account number had been changed from the original one who i owed the money origiaaly too..i.e Morgan stanley , then goldfish ) to this new Barclaycard account number because they had took over it apparantly,? i wrote to barclaycard asking for the date when they first took over the account and why the account number had been change and told them i had an arrangment with goldfish accepting the £1 token gesture .. it was sent recorded delivery...i never got a reply.... my question is if they took over this Goldfish account and put it iinto there Barclaycard statments and new account number shouldnt i have been told and why have they not replied to my request.. now they have passed it to Calder financial with the other account
sorry hope you understand this !

Deep_In_Debt

Hi
Not sure this is much help, but Mercers ARE Barclaycard. Just their 'scary' debt collection agents. Not heard of Calder but if they are part of Mercers then they would probably be part of Barclaycard too.

Sorry if I've been no help, bit confused (but that doesn't take much!)

sporty1

Deep_In_Debt wrote: »

Hi
Not sure this is much help, but Mercers ARE Barclaycard. Just their 'scary' debt collection agents. Not heard of Calder but if they are part of Mercers then they would probably be part of Barclaycard too.

Sorry if I've been no help, bit confused (but that doesn't take much!)

Hi yes they are Mercers they are just trading under a different name i.e Calder Financial adressess are the same and there tactics are the same.
They dont belieive even CCCS forms i sent them they jkeep mithering for more money by letter which i REALLY TRUTHFULLY DONT HAVE !

Ames

I had the same problem, for ages they were adding charges and interest, so my debt was going up by about £30 a month. They stopped eventually though, when I got CAB involved.

Deep_In_Debt

I had a similar problem. I've been on my dmp with CCCS since this time last year. B/C and Mercers were hideous for months and sent a doorstep collector in May, who I soon sent on his way. Since May and their "visit" they've accepted my dmp and I've heard nothing from them since. So you might have a bit of a battle with them for a while.

sporty1

sporty1 wrote: »

Hi i have been taking advise from CCCS since losing my job in May 08, i sent all the forms that cccs prepared for me and have been sending token gesture regularlynsince then, Barclay card account i had credit card i owed £515 BUT BECAUSE I WAS ONLY PAYING THE £1 TOKEN GESTURE THEY PUT ON AS THEY CALL IT LATE PAYMENT CHARGE OF £12 A MONTH , SO MY DEBT IS INCREASING AND IS NOW £580 , Mercers were dealing with it, now Calder Financial ( who are the same people trading under the name of Mercers ). my other problem with them is that ..i had another credit card with mORGAN STANLEY then Goldfish took it over when in May i sent the £1 token gesture i had in writting an acceptance for a 12mth period.. Then guess what i got a letter ( statement from Barclaycard With a different account number on , and within a month they passed it onto Mercers without me knowing , i queried the account number and mercers said the account number had been changed from the original one who i owed the money origiaaly too..i.e Morgan stanley , then goldfish ) to this new Barclaycard account number because they had took over it apparantly,? i wrote to barclaycard asking for the date when they first took over the account and why the account number had been change and told them i had an arrangment with goldfish accepting the £1 token gesture .. it was sent recorded delivery...i never got a reply.... my question is if they took over this Goldfish account and put it iinto there Barclaycard statments and new account number shouldnt i have been told and why have they not replied to my request.. now they have passed it to Calder financial with the other account
sorry hope you understand this !

Its 4am and i have been up all night cant sleep..... regarding the above..
because i have never got a leter from my request sent recorded delivery on 30/11/08 asking for date etc that they supposadly took over this debt from "morgan stanley/goldfish of £680, it still looks as though this debt was origanally theres because they changed the account number and sent me a barclaycard statment, then immediatly 2 days after sid i had defaulted onit and passed it straight over to merces, who i have been sending the £1 token gesture to since, my question is.. if i ask for a cca would i be expecting from the original creditor (morgan stanley) signed form .. as they cannot show a Barclaycard one for this account as it was not originally theres? and why have they "barclaycard not replied to my request of confirmation when they took this debt over ? and are they allowed to change the statments /account number over to there own , even though it was Morgan stanley/goldfish originally?
Please bear in mind this debt amongst my others are years old and have never used the cards for years i was just paying the debt of with Morgan stanley albeit at a reduced rate before i became unemployed because of disability..

If i do request a cca what account am i asking for the original morgan stanley/goldfish account number, or this new Barclaycard statment/account number which they are using
Thanks in advance would it be possible for someone to answer each question i have asked,,
cheers

10past6

I think I understand your situation, this is going to be ny advice.

Stop this messing around with Tom !!!!!! & Harry, the onus is on them to prove the debt.

Send the following letter to the company that is chasing you NOW for the debt, don't be dealing with anyone else, let them sort out the mess.

Once they reply and depending on that, you may well have to send a SAR (Subject Access Request) to them, this will cost you £10.00, but for now take one step at a time, continue to pay your monthly installments.

Here's the letter, send it by recorded delivery:

Creditor / DCA
Address

Your Details

Date

Dear Sir/Madam

Account no: xxxxxxxx

You have contacted me regarding the account with the above reference number, which you claim is owed by myself.

I would point out that I have no knowledge of any such debt being owed to (insert company name).

I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable.

In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question.

I await your written confirmation that this matter is now closed.

Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

I look forward to your reply.

Yours faithfully

ONLY PRINT – NEVER SIGN YOUR NAME

sporty1

Ok thanks, but when i write the letter ,do i put the original Morgan Stanley account number... or this new acount number that they made "barclaycard" when they supposodly took it over ?
thanks

10past6

If the you don't recognise the a/c they've referred to, put that a/c number.

The letter is about a debt they say you own under such and such an a/c, you're saying in that letter that you don't have an a/c with the a/c number they've quoted.

sporty1

Hi so let me get this right?
this Barclaycard ac/number and statments was what they gave me and are sending me each month ! regarding this debt i owed Morgan stanley account number i have? so do i use the original morgan stanley ac/number or do i use the New barclaycard ac/number which they are using regarding this old debt i used to owe to morgan stanley? , when asking for the cca
many thanks

sporty1

sporty1 wrote: »

Hi so let me get this right?
this Barclaycard ac/number and statments was what they gave me and are sending me each month ! regarding this debt i owed Morgan stanley account number i have? so do i use the original morgan stanley ac/number or do i use the New barclaycard ac/number which they are using regarding this old debt i used to owe to morgan stanley? , when asking for the cca
many thanks

Sorry forgot to mention, do i send it to barclaycard or cALDER FINANCIAL who i am sending the £1 token gesture to, ?
thank you